| 1. PRIVATE PERSON |
Effective as of 02.04.2019 |
|
1.1 Revolving credit card (2)
|
| monthly fee |
1,30EUR, free of charge for people up to 25 years of age
|
| monthly fee of an additional card |
1,30
EUR
|
| annual interest rate |
19-22% |
| penalty |
ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year) |
|
1.2 Fixed payment credit card
|
| annual interest rate |
19-22% |
| penalty |
ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year) |
| debt notice |
3
EUR
|
|
1.3 Gold Revolving credit card (3)
|
| monthly fee |
4,96
EUR
|
| monthly fee of an additional card |
3,36
EUR
|
| annual interest rate |
17-20% |
| penalty |
ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year) |
| debt notice |
3
EUR
|
|
1.4 Visa Platinum credit card (4)
|
| monthly fee |
12,90
EUR
|
| monthly fee of an additional card |
10,90
EUR
|
| Visa Platinum extra package |
160,20
EUR
a year (5)(9)
|
| annual interest rate |
14-17% |
| penalty |
ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year) |
| the Priority Pass salon visit fee |
|
| for holder of Visa Platinum card with extra package |
free of charge |
| for holder of Visa Platinum card without extra package |
27 USD per visitor |
| for persons accompanying Visa Platinum cardholder |
27 USD per visitor |
|
1.5 Gold Charge credit card
|
| monthly fee of the primary card |
5,11
EUR
|
| monthly fee of an additional card |
2,56
EUR
|
| penalty |
ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year) |
| debt notice |
3
EUR
|
|
1.6 Platinum Charge credit card
|
| annual fee of the primary card |
127,82
EUR
|
| annual fee of an additional card |
63,91
EUR
|
| penalty |
ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year) |
| debt notice |
3
EUR
|
| the Priority Pass salon visit fee for a Platinum credit card holder |
27 USD per visitor |
| GENERAL SERVICE AND TRANSACTION FEES |
|
1. Card opening fee
|
| opening a card at branch |
2,50
EUR
|
| opening a card in Internet Bank |
1,50
EUR
|
|
2. Payment in a commercial enterprise
|
free of charge |
|
3. Cash withdrawal
|
1,92
EUR
+ 2.5% of the amount
|
|
4. Transfer from credit card limit account
|
according to regular bank transfers pricelist |
|
5. Replacement of a card
|
7
EUR
|
|
6. Statement of transactions
|
| in last month |
free of charge |
| a previous month |
4
EUR
per month
|
|
7. Amendment of a credit card agreement (6)
|
| increase of credit limit at branch |
1% of the requested additional limit, min 10
EUR
|
| increasing of credit limit in the Internet Bank |
3,20
EUR
|
| amendment of the agreement at branch |
10
EUR
(excluding changing the user limits)
|
| amendment of the agreement in the Internet Bank |
free of charge |
|
8. Closure of a credit card
|
free of charge |
|
9. Penalty for using a closed card
|
65
EUR
|
|
10. Copy of a receipt (inquiry)
|
| a transaction in Estonia |
4
EUR
|
| a transaction abroad |
8
EUR
|
|
11. Balance inquiry and statement in Swedbank’s terminals in Estonia
|
free of charge |
|
12. Balance inquiry in other bank’s terminals in Estonia and abroad (7)
|
0,32
EUR
per query
|
|
13. Demand for refund, unjustified
|
| a transaction in Estonia |
12
EUR
|
| a transaction abroad |
16
EUR
(In case disputing card transaction made abroad, additional costs of the card organisations may apply)
|
|
14. Emergency cash assistance in abroad in Western Union service points (8)
|
40EUR
|
|
15. Sending a card from one branch to another (9)
|
2,50
EUR
|
|
16. Sending a card by mail
|
| mail (Estonia) |
free of charge |
|
17. Conversion fee for transactions in foreign currencies (10)
|
| VISA or MasterCard |
1% of transaction amount |
|
18. Renewal of primary and additional card
|
free of charge |
|
19. Retrieval of bank cards from other banks from Swedbank ATMs
|
30
EUR
|
| 2. LEGAL PERSONS |
Effective as of 01.08.2018 |
|
2.1 Business Credit Card (11)
|
| issue fee |
5
EUR
|
| monthly fee |
3
EUR
|
| annual interest rate |
18% |
| penalty |
0.2% a day |
| debt notice |
3
EUR
|
|
2.2 Business Gold Credit Card (12)
|
| issue fee |
10
EUR
|
| monthly fee |
10
EUR
|
| annual interest rate |
14% |
| penalty |
0.2% a day |
| debt notice |
3
EUR
|
| the Priority Pass salon visit fee |
27 USD per visitor |
|
2.3 Fixed Payment credit card Visa Business (13)
|
| issue fee upon first application and renewal |
free of charge |
| monthly fee |
1,30
EUR
|
| annual interest rate |
18% |
| penalty |
0.2% a day |
| GENERAL SERVICE AND TRANSACTION FEES |
|
1. Payment in a commercial enterprise
|
free of charge |
|
2. Cash deposit in euros in home bank’s terminal (14)
|
up to 5000
EUR
per calendar month free of charge
0,25% of the deposited amount that exceeds 5000
EUR
per month
|
|
3. Cash withdrawal
|
1,92
EUR
+ 2.5% of the amount
|
|
4. Transfer from credit card limit account (15)
|
according to regular bank transfers pricelist |
|
5. Replacement of a card
|
7
EUR
|
|
6. Statement of transactions
|
| in last month |
free of charge |
| a previous month |
4
EUR
per month
|
|
7. Amendment of a credit card agreement
|
| increasing of the credit limit at branch |
1% of the requested additional limit, min 10
EUR
|
| amendment of the agreement |
10
EUR
(excluding changing the user limits)
|
| amendment of the agreement in Internet Bank |
free of charge |
|
8. Closure of a credit card
|
free of charge |
|
9. Penalty for using a closed card
|
65
EUR
|
|
10. Copy of a receipt (inquiry)
|
| a transaction in Estonia |
4
EUR
|
| a transaction abroad |
8
EUR
|
|
11. Balance inquiry and statement in Swedbank’s terminals in Estonia
|
free of charge |
|
12. Balance inquiry in other bank’s terminals in Estonia and abroad (7)
|
0,32
EUR
per query
|
|
13. Demand for refund, unjustified
|
| a transaction in Estonia |
12
EUR
|
| a transaction abroad |
16
EUR
(In case disputing card transaction made abroad, additional costs of the card organisations may apply)
|
|
14. Sending a card from one branch to another (9)
|
2,50
EUR
|
|
15. Emergency cash assistance in abroad in Western Union service points (8)
|
40EUR
|
|
16. Conversion fee for transactions in foreign currencies (10)
|
1% of transaction amount |
|
17. Retrieval of bank cards from other banks from Swedbank ATMs
|
30
EUR
|
(1) The interest rate applicable to the main refinancing operations of the European Central Bank
(the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default
interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
(2) When paying for goods or services with the private person’s Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the last day (incl.) of the same month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating Interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
(3) When paying for goods or services with the private person’s Gold Revolving credit card, the bank shall
not calculate interest as from making the transaction with the respective card until the 10th calendar day
(incl.) of the following month, after the aforementioned period, the bank shall begin calculating interest.
Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest
immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
(4) When paying for goods or services with the Visa Platinum Credit Card, the transaction amount is subject
to an up to 40-day interest-free period (between the date of purchase and the payment date). Upon making a
payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
(5) If the period between ordering Visa Platinum extra package and expiry of Visa Platinum card is less than
one year, the Bank will debit a fee for an extra package in full amount.
(6) If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card
is rounded by increasing or decreasing the credit limit up to 50 € (incl.), no fee for amending the credit
limit shall be charged when increasing or decreasing the credit limit.
(7) The availability of the service in a foreign country depends on the foreign bank's ATM technical
possibilities and service can be used with MasterCard/Maestro cards.
(8) If the ordered service is canceled, the bank will not refund the service fee.
(9) The price is inclusive of VAT at the rate of 20%.
(10) Added to the amount of every transaction made with the card if the card transaction is in a currency
other than the euro.
(11) When paying for goods or services with a Business Credit Card, the transaction amount is subject to a
30day interest-free period, after which the calculation of interest starts. When withdrawing cash or making
transfers from credit card limit account, the calculation of interest starts at once, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
(12) When paying for goods or services with a Business Gold Credit Card, the transaction amount is subject to
a 40day interest-free period, after which the calculation of interest starts. When withdrawing cash or
making transfers from credit card limit account, the calculation of interest starts at once, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
(13) The card is not issued from 20th of April 2016.
(14) A limit of 15,000 euros per month on cash deposited in ATMs will be applied to credit cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is
deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar
month.
(15) Service is available with Business Credit Card and Business Gold Credit Card.
